My father is going to lend me 10,000 euros. I signed him an acknowledgment of debt. Should it be declared to the taxes? What is the difference with the registration of the deed?

Yes, loan contracts for an amount greater than 5,000 euros must be declared (article 49B appendix 3 and article 23L appendix 4 of the CGI) to the tax authorities on form no. 2062. You must file this declaration at the same time as your next annual income tax return, either directly online on the impots.gouv.fr website or by sending it to your personal tax department (SIP).

In regard to the registration, this formality is not mandatory for a private loan, but it has advantages.

Unlike authentic deeds which are drawn up by a notary, a private deed has no certain date. The registration will give the act a certain date, opposable to third parties.

The recording also makes it possible to avoid the possible risks of forgery in private writings (overloads, additions, and deletions) and quite simply to prove the existence of the act in the event of a dispute.